National Cellular Owner Association (NCOA) Complaint - They Are A Rip Off - Cell Phone Insurance Agency

Review by CAthy1j on 2009-12-15
BOCA RATON, FLORIDA -- If the phone is not stolen and you do not know how it was stolen, then, they refuse coverage. On their website it specifically states that they provide coverage on loss cell phones but it's a lie.
Comments:6 Replies - Latest reply on 2009-12-15
Posted by jktshff1 on 2009-12-15:
Big difference between lost (neglect) and stolen (criminal)
Posted by PepperElf on 2009-12-15:
very good point.

besides if a "phone is not stolen" there is no need to know HOW it was stolen
because it wasn't stolen
Posted by Anonymous on 2009-12-15:
What they specifically cite as to what they don't cover: Negligent loss, Unexplained disappearance or loss due to voluntary surrender to a third party.

Quite a bit of difference than having it stolen.

Posted by PepperElf on 2009-12-15:
So basically, if your apartment or house is broken into and the phone is stolen you'd be covered. Or if you're mugged etc.


But if you left the phone on a table, walked off for a few minutes, came back to find the phone missing... its not covered.

at least that's how I'm interpreting it.
Posted by Anonymous on 2009-12-15:
Well I pay 5 dollars per month to AT&T and it "supposedly" covers me against any loss of the phone weather I lost it, had stolen, or if I dropped it in the toilet one night when I was texting while I was drunk and using the restroom.
Posted by Anonymous on 2009-12-15:
"or if I dropped it in the toilet one night when I was texting while I was drunk and using the restroom."

Sounds like some personal experience there, Tennboy. :-)

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